Call reports 2009
FIRST NATIONAL BANK OF CRYSTAL FALLS — 2009
What FIRST NATIONAL BANK OF CRYSTAL FALLS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 66,278,000 | 64,214,000 | 64,941,000 | 65,710,000 |
| Total loans | 40,748,000 | 39,650,000 | 39,738,000 | 39,717,000 |
| Allowance for loan losses | 552,000 | 569,000 | 571,000 | 580,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,917,000 | 6,014,000 | 5,819,000 | 5,916,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,519,000 | 54,550,000 | 55,373,000 | 56,234,000 |
| Interest-bearing deposits | 51,090,000 | 48,693,000 | 49,597,000 | 50,578,000 |
| Noninterest-bearing deposits | 5,429,000 | 5,857,000 | 5,776,000 | 5,656,000 |
| Equity capital | 9,116,000 | 8,986,000 | 8,947,000 | 8,840,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 878,000 | 1,706,000 | 2,503,000 | 3,257,000 |
| Interest expense | 267,000 | 505,000 | 724,000 | 933,000 |
| Net interest income | 611,000 | 1,201,000 | 1,779,000 | 2,324,000 |
| Noninterest income | 75,000 | 68,000 | 139,000 | 188,000 |
| Noninterest expense | 529,000 | 1,073,000 | 1,598,000 | 2,138,000 |
| Provision for loan losses | 29,000 | 46,000 | 55,000 | 64,000 |
| Pretax income | 128,000 | 150,000 | 265,000 | 310,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 128,000 | 150,000 | 265,000 | 310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,116,000 | 8,986,000 | 8,947,000 | 8,840,000 |
| Total capital | 9,625,000 | 9,485,000 | 9,457,000 | 9,350,000 |
| Risk-weighted assets | 41,129,000 | 39,817,000 | 40,763,000 | 40,766,000 |
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